Georgia'S Own Federal Credit Union

Headquarters: Atlanta, Georgia
Charter: Credit Union
Assets: $4.2B
Fed district: Atlanta
Regulator: NCUA

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Aug 22, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Aug 22, 2026

How these figures are measured

Call-report figures are for Georgia'S Own Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Georgia'S Own Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Aug 22, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Georgia'S Own Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $5.2M in Q2 2026, 6.2% below the same quarter a year earlier ($5.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Bank on Checking $5 · CONSUMER TRUTH-IN-SAVINGS FEE SCHEDULE $6.95 · Resolution Checking $10
Compared at $6.95, the middle of its prices
Georgia'S Own Federal Credit Union: $5 to $10
Georgia'S Own Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Georgia'S Own Federal Credit Union: $35
Georgia'S Own Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Georgia'S Own Federal Credit Union: $35
Georgia'S Own Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Aug 22, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 11% from Q3 2025 to Q2 2026, to $5.2M.

Fee income, Q2 2026

$5.2M

$5.9MQ3 2025

$5.9MQ4 2025

$5.3MQ1 2026

$5.2MQ2 2026

Against the median

Georgia'S Own Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Georgia'S Own Federal Credit Union · $4.2B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Credit unions only
$3.9B to $4.6B in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Georgia'S Own Federal Credit Union(this institution)	Atlanta, GA	$4.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advia Federal Credit Union	Kalamazoo, MI	$4.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Affinity Federal Credit Union	Basking Ridge, NJ	$4.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Campus USA Federal Credit Union	Gainesville, FL	$4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Connexus Federal Credit Union	Wausau, WI	$4.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Covantage Federal Credit Union	Antigo, WI	$4.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Educators Federal Credit Union	Racine, WI	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Empower Federal Credit Union	Syracuse, NY	$4.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
General Electric Federal Credit Union	Cincinnati, OH	$4.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Goldenwest Federal Credit Union	Ogden, UT	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grow Financial Federal Credit Union	Tampa, FL	$3.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Jovia Financial Federal Credit Union	Westbury, NY	$4.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Michigan Schools And Government Federal Credit Union	Clinton Township, MI	$4.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Navigant Federal Credit Union	Smithfield, RI	$4.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Numerica Federal Credit Union	Spokane Valley, WA	$4.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nuvision Federal Credit Union	Huntington Beach, CA	$4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Oneaz Federal Credit Union	Phoenix, AZ	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peak Federal Credit Union	Olympia, WA	$4.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Premier Members Federal Credit Union	Broomfield, CO	$4.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rogue Federal Credit Union	Medford, OR	$4.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Safe Federal Credit Union	Folsom, CA	$4.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Technology Federal Credit Union	San Jose, CA	$4.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
United Federal Credit Union	St Joseph, MI	$4.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
University Federal Credit Union	Austin, TX	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Utah Community Federal Credit Union	Provo, UT	$4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Valley Strong Federal Credit Union	Bakersfield, CA	$4.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.05 (13%) below the median of similar-sized credit unions.

Compared at $6.95, the middle of its three prices, against a peer median of $8 among 13 publishing peers.

Its three checking prices are $5, $6.95 and $10.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Georgia'S Own Federal Cre…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $27.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Georgia'S Own Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $5.2M
vs prior quarter: −$111K−2.1%; from Q1 2026
vs a year earlier: −$345K−6.2%; from Q2 2025
vs start of range: −$502K−8.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Georgia'S Own Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$5.2M	−$111K	−2.1%
Q1 2026	$5.3M	−$564K	−9.6%
Q4 2025	$5.9M	+$2K	+0.0%
Q3 2025	$5.9M	+$328K	+5.9%
Q2 2025	$5.6M	+$232K	+4.4%
Q1 2025	$5.3M	−$308K	−5.5%
Q4 2024	$5.6M	−$81K	−1.4%
Q3 2024	$5.7M	+$318K	+5.9%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Georgia'S Own Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Bank on Checking Monthly Service Charge$5
per month
Perks+ Monthly Service Charge$6.95
per month
Resolution Checking Monthly Service Charge$10
per month
Dormant Account Fee$5
per month
Inactive Account Fee$5
per month
Account Research/Reconciliation Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement Fee$5

Overdraft & NSF

Premium Overdraft (OD) Fee$35
per item
Bill Pay Nonsufficient Funds Fee (NSF)$35
per item
Nonsufficient Funds (NSF) Fee$35
per item
Overdraft Transfer Fee$6
per item

ATM & Card

Out of Network ATM Fees Balance Inquiries$3
per transaction
ATM/Debit Card Replacement Fee$5
per item
ATM/Debit Card International Transaction Fee Cashier's Check Member Fee$10
per item

Wire Transfers

Outgoing Fee wire$50
per item
Outgoing Fee wire$25
per item
Incoming Fee wire$15
per item

Check Services

Cashier's Check Member Fee$10
per item
Bill Pay Stop Payment Fee$30
per item
Counter Checks 3 checks$5

Digital & Electronic

Website Loan Payments Online Payment - Express Pay$8
Not compared: Per-occurrence charge, not monthly
per item

Cash & Deposit

Returned Deposit/Payment Item Fee$30
per item
Returned Item Fee$10
per item

Account Services

Drilling of Box Fee$150
Not compared: Box drilling or key fee
Duplicate Key Fee$20
Not compared: Box drilling or key fee
Levy Fees$50
per item
Verification of Deposit/Loan Fee$25
per item

Retirement & IRA

IRA Direct Transfer Fee$25
per item

Other Fees

Other Document Copy Fee$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Bank on Checking Monthly Service Charge	$5	per month	None
Perks+ Monthly Service Charge	$6.95	per month	None
Resolution Checking Monthly Service Charge	$10	per month	None
Dormant Account Fee	$5	per month	None
Inactive Account Fee	$5	per month	None
Account Research/Reconciliation Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement Fee	$5	Not stated	None
Overdraft & NSF
Premium Overdraft (OD) Fee	$35	per item	None
Bill Pay Nonsufficient Funds Fee (NSF)	$35	per item	None
Nonsufficient Funds (NSF) Fee	$35	per item	None
Overdraft Transfer Fee	$6	per item	None
ATM & Card
Out of Network ATM Fees Balance Inquiries	$3	per transaction	None
ATM/Debit Card Replacement Fee	$5	per item	None
ATM/Debit Card International Transaction Fee Cashier's Check Member Fee	$10	per item	None
Wire Transfers
Outgoing Fee wire	$50	per item	None
Outgoing Fee wire	$25	per item	None
Incoming Fee wire	$15	per item	None
Check Services
Cashier's Check Member Fee	$10	per item	None
Bill Pay Stop Payment Fee	$30	per item	None
Counter Checks 3 checks	$5	Not stated	None
Digital & Electronic
Website Loan Payments Online Payment - Express Pay	$8Not compared: Per-occurrence charge, not monthly	per item	None
Cash & Deposit
Returned Deposit/Payment Item Fee	$30	per item	None
Returned Item Fee	$10	per item	None
Account Services
Drilling of Box Fee	$150Not compared: Box drilling or key fee	Not stated	None
Duplicate Key Fee	$20Not compared: Box drilling or key fee	Not stated	None
Levy Fees	$50	per item	None
Verification of Deposit/Loan Fee	$25	per item	None
Retirement & IRA
IRA Direct Transfer Fee	$25	per item	None
Other Fees
Other Document Copy Fee	$5	per item	None

Correct a fee source

Aug 22, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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